Mint Bills & Money vs YNAB

This application gains more than the read only access of most finance tracking applications with the ability to pay bills right from the application. This may be a security concern for some people but the ability to pay bills all from one place is extremely convenient if your financial institution supports it.

The calendar view is a fantastic feature to overview all incoming bills due dates and plan the month.

It is free to pay bills with Check if paying from a bank account or debit card. Credit cards add a 4% service fee. If an express bill payment is needed, the cost is $7.

Being able to view all accounts and bills in one place is extremely convenient for planning a budget or just managing finances.

Mint Bills & Money will send a notification for upcoming bills, approaching credit limits, or low funds.

Check is one of the first finance applications to offer Android Wear support with which users can take action on Check alerts and notifications.

Mint Bills uses bank level security as well as other security features such as PIN-locking and data wiping. They are also monitored by outside companies such as Norton and TRUSTe.

Checks auto bill paying feature is comparable with a very large list of accounts. It can even manage mortgages and utilities.

Provides a 4 step method for budgeting money, that really makes budgeting simple and powerful.

YNAB lets you try it's software free for just over a month. This gives you a bit of flexibility when doing a monthly budget - 4 extra days to review your budget and determine whether YNAB helped out enough to justify the $5 price.

If you're a student, you can get an additional 12 months for free (for a total of 13 months) and after that you can get 10% off yearly subscriptions.

YNAB regularly offers live workshops on a variety of different topics. These workshops include time for Q&A which is very helpful.

The YNAB team does a great job of offering rapid response times to support requests, listening to user feedback and implementing commonly requested features into the app via frequent updates as well providing live financial workshops on a daily basis at no additional charge. All of these features make the subscription model well worth the cost to me.

I've tried several including Quicken desktop app and I just like the way YNAB works. It is easy to learn and actually works as advertised.

It allows you to move around budget allocations. Sometimes you just need to spend that extra money in one category and take it out of another budget without losing control of the overall budget. It's flexible, clever and understands life.